Calculations & Bug Fixes • R&B COA cap annual pooling bug fix • Same pooling fix applied to calculateAnnualWithdrawalData (parallel code path) • 16-test unit test suite covering all edge cases Color System • Full semantic color system applied across all views and PDFs • Zero-value rule: zero amounts always show neutral, not semantic color • Non-Eligible Scholarship Income → neutral color everywhere • GI Bill aggregate rows → neutral; by-type Tuition row → green only • Color Key card added to Annual Summary Sheet • Color Guide section added to Help & FAQ Scholarship Income Alerting • Inline compact warning in Calculations view • "Scholarship Income (non-eligible)" row in Eligibility Breakdown (all views, PDFs, CSVs) • Non-eligible scholarship card in Year-End Action Center • "Scholarship Income Documented" checklist item in Compliance Center (10 pts, max raised to 110) • "Consider a Withdrawal" card in Alert Management (replaces year-end-only card, shows year-round) AI Assistant (full feature) • Pinned accountant disclaimer banner • Markdown rendering in chat bubbles • 20-question/day soft cap • Persistent chat session (context no longer resets between turns) • Multi-student clarification hardened • Navigation fallback rule (directs to exact screen when no tool covers a question) • 5 additional tool functions: account balances, compliance score, missing receipts, total withdrawals, saved 1099-Q • New Chat button • AI tile added to Quick Links Card • AI button in sidebar and dashboard (iPhone + iPad) • Massive knowledge base expansion (~65 KB → ~89 KB) Push Notifications • New December 5 contribution deadline reminder (repeating annual) Personal Notes (full feature) • Free-form text editor with lined notepad background • Photo and PDF attachments with thumbnail strip • 2-second auto-save debounce • Share/export as PDF • Notes included in Annual PDF and Audit Binder PDF • "Clear Notes" button with confirmation alert Legal / Privacy • Privacy Policy updated June 2026 (Gemini/AI disclosures) • Account deletion fix

What's New in Version 3.1 This update brings new tracking capabilities, a refined reports experience, and a range of stability and display fixes. New Features GI Bill Income is now available as a primary category on the main dashboard for faster, more visible tracking. GI Bill Income is now broken out by subcategory in Reports for clearer year-end review. Improvements Reorganized the category layout in Reports for a more logical, intuitive flow. Standardized currency field colors across the app, with a new color legend added to the bottom of the Summary Calculation page for easy reference. Bug Fixes Corrected a dark mode display issue affecting certain reports. Resolved scroll lag on the main dashboard when using a mouse on macOS. Fixed an issue where the disclaimer could appear twice. Improved the Audit Binder PDF layout so all text displays clearly and legibly. Corrected an issue preventing the Audit Binder PDF from including every receipt within the selected year. Fixed a calculation issue so the Room & Board cost-of-attendance cap is now applied across the full calendar year rather than term by term, consistent with IRS Publication 970 guidance. Additional housekeeping updates and minor fixes for a smoother experience. NEW FEATURES in Version 3.0 • 529 Compliance Center — Get an instant audit-readiness score and a complete checklist of what's done and what still needs attention. Be ready before tax season even thinks about you. • 1099-Q Reconciliation — When your plan's tax form arrives in January, match it against your tracked expenses in seconds. Know your tax position before your CPA does. • Projections Through Graduation — Forecast your 529 balance year-by-year, all the way to graduation. Spot shortfalls before they happen. Adjust contributions with confidence. • Year-End Action Center — A December countdown with everything you need to do before the 12/31 deadline. Missing receipts, unmatched withdrawals, and pending decisions — all in one place. • AOTC Protection — Automatic reserve calculations make sure you never accidentally lose your $2,500 American Opportunity Tax Credit. • Multi-Student & Multi-Account — Track every kid and every 529 account in one app. Switch between students with a single tap. • Advanced Search & Filters — Find any transaction by category, year, student, receipt status, or notes. Lightning fast. • Professional PDF & CSV Reports — Generate beautiful, tax-ready reports for your records or your accountant in one tap. • Mac App via Mac Catalyst — Use 529 Tracker on your Mac with the same data, perfectly synced. • Built-In Video Tutorials — Short, friendly walkthroughs for every feature, right inside the app. New tutorials added regularly. IMPROVEMENTS • Updated side bar menu now includes quick access to student editing • GI Bill is now a separate income category to better support our military families • Performance and stability improvements throughout the app • Cleaner, faster builds • Many small refinements based on your feedback THANK YOU To everyone who's been with us since the beginning — your feedback shaped every line of this update. Keep it coming. Questions or ideas? support@charliemikestudios.com

Version 3.0 — The Big One. This is the biggest update to 529 Tracker yet, and we couldn't be more excited to put it in your hands. NEW FEATURES • 529 Compliance Center — Get an instant audit-readiness score and a complete checklist of what's done and what still needs attention. Be ready before tax season even thinks about you. • 1099-Q Reconciliation — When your plan's tax form arrives in January, match it against your tracked expenses in seconds. Know your tax position before your CPA does. • Projections Through Graduation — Forecast your 529 balance year-by-year, all the way to graduation. Spot shortfalls before they happen. Adjust contributions with confidence. • Year-End Action Center — A December countdown with everything you need to do before the 12/31 deadline. Missing receipts, unmatched withdrawals, and pending decisions — all in one place. • AOTC Protection — Automatic reserve calculations make sure you never accidentally lose your $2,500 American Opportunity Tax Credit. • Multi-Student & Multi-Account — Track every kid and every 529 account in one app. Switch between students with a single tap. • Advanced Search & Filters — Find any transaction by category, year, student, receipt status, or notes. Lightning fast. • Professional PDF & CSV Reports — Generate beautiful, tax-ready reports for your records or your accountant in one tap. • Mac App via Mac Catalyst — Use 529 Tracker on your Mac with the same data, perfectly synced. • Built-In Video Tutorials — Short, friendly walkthroughs for every feature, right inside the app. New tutorials added regularly. IMPROVEMENTS • Updated side bar menu now includes quick access to student editing • GI Bill is now a separate income category to better support our military families • Performance and stability improvements throughout the app • Cleaner, faster builds • Many small refinements based on your feedback THANK YOU To everyone who's been with us since the beginning — your feedback shaped every line of this update. Keep it coming. Questions or ideas? support@charliemikestudios.com

-Updated the side bar menu to include student editing -Now the GI Bill is a separate income category to better support our military members -Minor bug fixes -Performance & Stability — Removed debug logging and resolved compiler warnings for a cleaner, more efficient app

• GI Bill Income Category — Added "GI Bill / Survivors' & Dependents' Educational Assistance" as a dedicated income category, making it easier for veterans and military dependents to track education benefits separately from scholarships and grants. • Make a Withdrawal Shortcuts — Added one-tap "Make a Withdrawal" buttons throughout the app so you can quickly record a 529 withdrawal without navigating away from what you're viewing: • Term Summary card on the dashboard • Annual Summary card on the dashboard • Annual Summary detail sheet • Term Calculations detail sheet • Student Name on Calculation Pages — The Term Calculation Summary and Annual Calculation Summary now display the student's name at the top, making it clear whose data you're viewing — especially useful for families tracking multiple students. Improvements • Add a Student Flow — Tapping "Add a Student" from the student picker now goes directly to a new student form instead of showing the existing student dropdown, reducing confusion. • New Student Auto-Selection — After creating a new student, the dashboard now automatically switches to show that student's data instead of staying on the previous student. • Editable Student Names — When renaming a student, you can now choose to apply the name change to just the current term or to all terms for that student across the app. • Performance & Stability — Removed debug logging and resolved compiler warnings for a cleaner, more efficient app.

- Improved cloud sync reliability for faster, more consistent data synchronization across devices - Enhanced app stability and performance - Minor bug fixes

What's New in Version 2.1 iPad Experience Reimagined Your dashboard now displays all four summary cards in a 2×2 grid, giving you a complete financial picture at a glance. Popup sheets and forms have been optimized to utilize the full iPad screen, making data entry and report viewing more comfortable than ever. Smarter Annual Reports Generate reports for individual students, multiple students, or all students combined. Each report now clearly labels whether it's a Combined, Individual, or Multi-Student report with student information prominently displayed. Enhanced PDF Exports PDF reports now include complete transaction details matching CSV exports - subcategories, notes, and all the specifics you need for comprehensive tax documentation. "Available to Withdraw" at Your Fingertips When entering 529 withdrawals, see eligible amounts broken down by term directly on the entry screen. A new Calendar Year Matching banner provides helpful context right where you need it. Faster Performance Withdrawal calculations now load concurrently instead of sequentially, dramatically reducing wait times when viewing eligible amounts across multiple terms. Dynamic Visual Theming Student and year selectors now change colors to match your active dashboard card - navy for Annual Summary, purple for Term Summary, green for Current Term. Dark mode readability has been improved throughout. Multi-Student Filtering Refined The withdrawal entry screen now properly displays only the selected student's terms and eligible amounts, ensuring clean data separation for families tracking multiple beneficiaries. Expanded Help Center Ten new FAQ entries cover 2026 K-12 expense limits, Roth IRA rollovers, professional certification expenses, room and board guidance, and more. Everything you need to understand qualified expenses in one place. Bug Fixes & Polish Corrected Calendar Year Matching information banner display Fixed text that incorrectly implied Room & Board would be pro-rated Improved button consistency (renamed "Close" to "Done" throughout) Resolved pagination overlap issues on Term Summary Thank you for using 529 Tracker. Your feedback helps us build a better app for families everywhere.

MAJOR NEW FEATURES: Multi-Student Tracking - Track expenses for multiple students independently with separate calculations for each 529 beneficiary. Includes student selector with data filtering to maintain IRS compliance by keeping each student's financial data completely separate. Historical Year Selection - View Annual Summary reports for any year from 2020 onwards, not just the current year. Includes visual indicator when viewing past years to clearly distinguish historical data. Student Name Picker - Intelligent dropdown when creating new terms that shows previously entered students and auto-populates all related information (school name, student ID, major/program) to ensure data consistency and prevent calculation errors from typos. Enhanced Withdrawal Entry - New "Available to Withdraw" section displays eligible amounts broken down by term on the withdrawal entry page, making it easier to enter accurate 529 withdrawals while maintaining calendar year compliance. Comprehensive Export Reports - PDF and CSV exports now include complete transaction details: subcategories, notes, eligible/non-eligible amounts, school billed status, and receipt information for thorough tax documentation. UI/UX IMPROVEMENTS: - Dynamic color coordination for student and year pickers across all pages - Styled picker components with colored borders for better visual hierarchy - Improved pagination and layout spacing for better readability on mobile devices - Visual notifications when viewing historical data BUG FIXES: - Fixed eligible withdrawal amount display issues on transaction entry page - Corrected calendar year matching messaging to accurately reflect IRS requirements - Updated duplicate term validation to allow same term names for different students COMPLIANCE UPDATES: Privacy Policy updated to version 1.1 (effective February 1, 2026) with in-app notification for existing users

529 Tracker is now completely free! We're offering full access to all features at no cost as we launch and grow. We'd love to hear from you—visit our support page or reach out with questions, feedback, or feature ideas.

Try 529 Tracker FREE for 7 days! Tax season is right around the corner. Start tracking your qualified education expenses now so you're ready when it's time to file. Don't leave money on the table or risk IRS penalties. New in this update: 7-day free trial now available for both monthly and annual plans Try all premium features before you commit Track expenses, store receipts, and generate tax-ready reports Full cloud sync across all your family's devices 529 Tracker is the only app built specifically to help families track qualified education expenses, manage Room & Board limits, and store receipts throughout the college years. Finally, an app that takes the guesswork out of 529 education savings — track expenses, match withdrawals, and generate tax-ready reports so you can file with confidence. Whether you're paying tuition, room and board, or buying textbooks, 529 Tracker helps you maximize every tax-free dollar. Also great for eligible K-12 education expenses!!!

Version 1.2 - Built for Tax Season This update delivers the tools families need to close out 2025 with confidence and plan ahead for 2026. Annual Summary Dashboard - See your complete 529 picture for the entire tax year on a single screen. View total eligible expenses, scholarship offsets, withdrawals made, and your net eligible withdrawal amount across all terms. The new annual view aggregates data automatically and is export-ready for tax preparation - no manual calculations required. Enhanced Calculation Engine - We identified and fixed a critical bug in excess scholarship tracking. When scholarship income designated for specific categories like Books or Supplies exceeds actual expenses in those categories, the excess is now accurately flagged as potentially taxable income. This precision helps you avoid unexpected tax liability and plan smarter withdrawals. Non-Eligible Expense Breakdown - Previously, non-eligible expenses displayed as a single total. Now every category is broken out individually so you can see exactly which expenses don't qualify for tax-free withdrawals - whether it's Room & Board amounts exceeding your school's Cost of Attendance limit or other non-qualified purchases. Dynamic Transaction Filtering - Your Recent Activity section now responds to your current view. When viewing the Annual Summary card, you'll see all transactions for that tax year. Switch to a specific term card, and the list filters to show only that term's transactions. Less scrolling, faster answers. Future Expense Planning - Enter future-dated expenses to plan your 529 strategy in advance. Budget for next semester's tuition, books, and housing costs today and watch your projections update in real-time. Future calendar years now display with appropriate "Future" badges and planning-focused metrics instead of misleading coverage warnings. Improved Alert System - Year-End 529 Alerts now fully respect your snooze preferences across the entire app. Snooze once, and the reminder stays hidden everywhere until your selected date. We also fixed text visibility in dark mode so alerts are crystal clear whether you're reviewing your account at midnight or midday. Data Integrity Protection - New validation prevents creating duplicate terms with the same season and year. This safeguard ensures every expense is applied to the correct term and eliminates confusion from accidentally duplicated data. Standardized Reporting - Consistent terminology throughout the app: Eligible Expenses, Non-Eligible Expenses, Eligible Scholarships, Non-Eligible Scholarships, and 529 Withdrawals. This unified language appears across all summary cards, calculation pages, and exported reports - PDF and CSV - for seamless tax documentation. Visual Polish - Refined card layouts with improved pagination visibility, standardized button styling, and a dynamic Add Entry button that color-matches your currently selected summary card. Small details that make the experience feel polished and intuitive. Thank you for choosing 529 Tracker. Questions or feedback? Reach us at support@charliemikestudios.com

We've made 529 Tracker even better in version 1.1: DARK MODE Full dark mode support lets you track expenses comfortably day or night. FASTER SETUP Streamlined onboarding and consolidated disclaimers get you tracking expenses in minutes. BETTER EXPERIENCE - Clearer guidance when creating your first academic term - Improved fonts and labels throughout - Fixed subscription display issue Thank you for trusting 529 Tracker to organize your education expenses and maximize your tax-free withdrawals.

Fixed a minor text issue and improved initial setup instructions.